retirement planning

Monte Carlo Simulation: A Powerful, but Imperfect Tool

Working with financial planning clients over the years I have heard a wide range of individual goals, from providing college education and weddings for children, to purchasing vacation homes and sports cars. Every person has their own unique wants and needs shaped by their values, beliefs and attitudes. However, one goal every single person has …

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A Different Take on the FIRE Movement

Over the past 10 years working in financial services, creating financial freedom or the ability to retire as early as possible is a common goal I hear. In fact, there is a whole movement around this goal called the FIRE movement: Financial Independence Retire Early. However, I think many people involved in this movement have …

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Supercharge retirement savings with a Health Savings Account (HSA)

In the span of 4 years my wife and I have had three boys. With a growing family, comes growing medical expenses. A few years ago we started saving and investing in a Health Savings Account (HSA). Roth IRAs are often touted as the ultimate savings vehicle, but nothing beats the tax benefits of an …

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